Sterling Bancorp, Inc. (Michigan) (SBT) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

MidWestOne Financial Group, Inc.

Mid Penn Bancorp, Inc.

CapStar Financial Holdings, Inc.

Summit Financial Group, Inc. (West Virginia)

Red River Bancshares, Inc.

Guaranty Bancshares, Inc. (Texas)

Bank of Marin Bancorp

Macatawa Bank Corp.

Enterprise Bancorp, Inc.

Sterling Bancorp, Inc. (Michigan)

First Foundation, Inc.

Why is Sterling Bancorp, Inc. (Michigan) ?

The company has declared Negative results for the last 3 consecutive quarters

GROSS NPA (%)(Q) Highest at 1.26%
NII(Q) Lowest at USD 13.52 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 55.81%

With ROE of 0.6, it has a very expensive valuation with a 0.8 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 0%, its profits have fallen by -71.1%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Sterling Bancorp, Inc. (Michigan) for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Sterling Bancorp, Inc. (Michigan)

-3.01%

-0.09

32.47%

S&P 500

13.22%

0.61

20.23%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

-5.08%

EBIT Growth (5y)

-39.69%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

30.38%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

118

Industry P/E

Price to Book Value

0.76

EV to EBIT

-201.44

EV to EBITDA

-152.62

EV to Capital Employed

1.14

EV to Sales

-4.80

PEG Ratio

Dividend Yield

ROCE (Latest)

-0.57%

ROE (Latest)

0.64%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Bearish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

Not enough Data to analyse Financial Trend

Here's what is not working for Sterling Bancorp, Inc. (Michigan)

Non Performing Loans (%)

Highest at 1.26% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII

Lowest at USD 13.52 MM and Fallen

In each period in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Credit Deposit Ratio

Lowest at 55.81% and Fallen

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

Net Profit

At USD 1.16 MM has Fallen at -23.03%

over average net sales of the previous four periods of USD 1.51 MM

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)